it's a 30% tax or 40% surtax. i think that now that purchasers and particular and others until the policy become ware of that. i think it will lead to product i have discussion. how much cost shifting you have in the market is determined by the presence of large systems and their ability to actually achieve higher payment. and that's why i think one of the things that could be very, very useful here is to track that cost shifting and begin to think about transparency around cost shifting ratio. it would give consumers and individuals more information than we have today. to look comparatively at what it going on. it's another way to do that in addition to looking at prices themselves. >> and bob is in line. i always like the cost shifting argument. a well known d.c. economist took me aside and said we realize it occurs. we don't have is a model to explain it. i have to deny it in public. i like that one because i don't know what to make about that. karen answered that. i think it's a species argument. what differs